Karen is co-founder and Managing Partner of Federal Financial Analytics, Inc., a privately-held company that, since 1985, has provided analytical and advisory services on legislative, regulatory, and public-policy issues affecting financial services companies doing business in the U.S. and abroad. A frequent speaker on topics affecting the financial services industry. In addition to presentations to Congress, foreign legislatures and government agencies, spoken before such organizations as the Japanese Diet, the Office of the Comptroller of the Currency, various Federal Reserve Banks, the Economist’s Buttonwood conference, the Securities Industry and Financial Markets Association, the American Bankers Association, The Clearing House, the Financial Services Roundtable, the Institute of International Bankers, the Conference of State Bank Supervisors, the American Bar Association, the Brookings Institution, the American Institute of Certified Public Accountants, the National Association of Manufacturers, and many other industry, academic and policy-maker audiences. Authored numerous articles in professional publications such as the American Banker and International Economy, as well as general-interest media like The New York Times and Wall Street Journal. Appears frequently in the media as an expert on banking legislation and regulation. Served on the boards of banking organizations and sits as a director on the board of the Foundation Fighting Blindness and the Fidelco Guide Dog Foundation, and an advisory member of the board of the Morin Center for Banking and Financial Law.